Day: July 8, 2026

Rate-and-term is often available right away; cash-out usually needs a seasoning period of a few months before using the new appraised value. The BRRRR timing question.

Yes — a DSCR refinance qualifies on the property rent versus the new payment, so no tax returns, W-2s, or personal income are required. Works for cash-out too.

Two ways to refinance an investment property: rate-and-term (better terms, no cash) or cash-out (a larger loan that returns equity). Here is how each is underwritten.

Yes — refinance an apartment building and pull equity out, qualifying on the building income. How much depends on the LTV cap and the building DSCR.

Yes — a foreign national can finance a U.S. apartment building on the building income, with no U.S. tax returns, Social Security number, or U.S. credit required.

Yes — an under-rented but functional building finances like standard multifamily; a distressed one may need a bridge loan first, then a refinance once stabilized.